IMG GlobalFusion Insurance Plan

Subject to the terms of the plan, GlobalFusion is annually renewable, and the cover is continuous when renewed. Before the end of each Period of Insurance (12 months), you will receive renewal information. You must continue to meet the eligibility requirements outlined above to renew. You have the option to renew online, or you may complete a paper renewal form. There are no additional medical questions at renewal.

Your renewal premium is based upon a category applicable to you. This takes into account varying factors including, but not limited to, your year of inception, age, sub-plan, area of cover, annual excess, citizenship, discounts or loadings based on both claims history and pooled community claims data as well as medical inflation. Additionally, we can work with you to provide flexible renewal options. Please select your annual excess carefully, as you will be unable to choose a lower yearly excess when you renew your cover.

Your GlobalFusion plan will automatically terminate upon your 75th birthday. If you are enrolled in the GlobalFusion plan by your 65th birthday and maintain continuous cover to age 75, lifetime medical cover is available. Before your 75th birthday, you will receive a summary of benefits for continuing coverage under a new plan from one of our senior citizen plans, and an enrolment form for cover. There is no additional medical underwriting. You merely need to review the benefits, and complete and return the enrolment form with your premium.

After the cover has been in effect for 24 continuous months under a GlobalFusion Silver, Gold and Gold Plus medical option plan, an Insured Person is provided with the cover up to the annual and lifetime limits (relevant to his or her chosen sub-plan) for eligible declared and accepted pre-existing medical conditions*. Platinum has no requirement for 24 months continuous cover and has full cover.

Please note that no cover exists for pre-existing medical conditions under the Bronze medical option plan.

This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24 month period. This is important because very few pre-existing conditions remain free from consultation or treatment, and therefore do not typically qualify for any cover at all under most other companies' standard policies.
If you fully disclose a pre-existing medical condition at the time of application, and we accept you into the GlobalFusion plan, you will be covered for eligible charges subject to the limits and terms** of the plan.

Flexible underwriting option available- endorsement issued if applicable.

*Subject to the terms and conditions of the Policy Wording
**See your Policy Wording for a definition of “pre-existing conditions” and a complete list of exclusions and limitations and other specific terms and conditions.

We will settle your claims efficiently. In most cases, if you are admitted to Hospital, we can arrange to pay the Hospital or medical provider directly. Once your application for your GlobalFusion plan is approved, you will receive a fulfillment kit which includes an IMG Europe identification card and claim forms. When you receive treatment, original itemized bills must be received by IMG Europe within 90 days of services.

Please refer to your Policy Wording and claim form for further claims submission and settlement information.

IMG is the Managing General Underwriter for the international insurance plans sold through the company. IMG is located in Indianapolis, Indiana USA and is also the parent company of IMG Europe Ltd. IMG Europe is located in West Sussex, United Kingdom. IMG Europe is fully authorized and regulated by the UK Financial Services Authority (FSA). For more information on both companies, click on the following links.